HCI Group, Inc. (HCI) Financial Ratios
19 years of historical data (2007–2025) · Financial Services · Insurance - Property & Casualty
EV/EBITDA
↓
2.23
↓-62% vs avg
5yr avg: 5.86
30Y Low0.7·High10.9
P/FCF
↓
4.78
↓-13% vs avg
5yr avg: 5.52
30Y Low0.5·High19.0
P/B Ratio
↑
1.89
↓-12% vs avg
5yr avg: 2.15
30Y Low0.9·High3.7
ROE
↑
37.8%
↓+174% vs avg
5yr avg: 13.8%
30Y Low-17%·High49%
Debt/EBITDA
↓
0.15
↓-91% vs avg
5yr avg: 1.65
30Y Low0.2·High6.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
HCI Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
HCI Group, Inc. trades at 6.6x earnings, 94% below its 5-year average of 107.5x, sitting at the 27th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 52%. On a free-cash-flow basis, the stock trades at 4.8x P/FCF, 13% below the 5-year average of 5.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $2.1B | $2.5B | $1.5B | $965M | $349M | $717M | $507M | $467M | $401M | $256M | $429M |
| Enterprise Value | $984M | $1.3B | $1.1B | $639M | $327M | $151M | $260M | $412M | $412M | $238M | $288M |
| P/E Ratio → | 6.58 | 7.71 | 13.11 | 11.47 | — | 397.81 | 14.99 | 13.79 | 22.58 | — | 13.52 |
| P/S Ratio | 2.36 | 2.74 | 1.97 | 1.75 | 0.71 | 1.78 | 1.84 | 1.94 | 1.73 | 1.05 | 1.66 |
| P/B Ratio | 1.89 | 2.22 | 3.15 | 2.28 | 1.37 | 1.73 | 2.52 | 2.52 | 2.21 | 1.32 | 1.76 |
| P/FCF | 4.78 | 5.56 | 4.51 | 4.31 | — | 7.69 | 7.15 | 9.14 | 15.43 | 19.03 | 4.93 |
| P/OCF | 4.76 | 5.53 | 4.46 | 4.18 | — | 7.43 | 6.56 | 8.65 | 14.03 | 15.58 | 4.88 |
P/E links to full P/E history page with 30-year chart
HCI EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
HCI Group, Inc.'s enterprise value stands at 2.2x EBITDA, 62% below its 5-year average of 5.9x. The Financial Services sector median is 11.4x, placing the stock at a 80% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.47 | 1.51 | 1.16 | 0.66 | 0.37 | 0.94 | 1.71 | 1.78 | 0.97 | 1.11 |
| EV / EBITDA | 2.23 | 3.01 | 6.37 | 5.08 | — | 8.97 | 5.69 | 9.15 | 10.87 | — | 5.50 |
| EV / EBIT | 2.29 | 3.03 | 6.06 | 4.96 | — | 8.58 | 5.36 | 8.41 | 9.15 | 208.08 | 4.96 |
| EV / FCF | — | 2.99 | 3.45 | 2.85 | — | 1.62 | 3.67 | 8.06 | 15.84 | 17.68 | 3.30 |
HCI Profitability
Margins and return-on-capital ratios measuring operating efficiency
HCI Group, Inc. earns an operating margin of 47.7%, significantly above the Financial Services sector average of 20.3%. Operating margins have expanded from 21.4% to 47.7% over the past 3 years, signaling improving operational efficiency. Return on equity of 37.8% is exceptionally high — well above the sector median of 9.0%. ROIC of 675.0% represents excellent returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 73.2% | 73.2% | 36.7% | 37.2% | 3.2% | 20.2% | 22.4% | 37.9% | 35.9% | 16.0% | 35.2% |
| Operating Margin | 47.7% | 47.7% | 23.1% | 21.4% | -13.9% | 2.8% | 13.4% | 15.0% | 11.6% | -6.4% | 18.1% |
| Net Profit Margin | 33.2% | 33.2% | 14.7% | 14.4% | -11.9% | 0.5% | 10.0% | 11.0% | 7.7% | -2.8% | 11.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 37.8% | 37.8% | 24.6% | 23.3% | -17.5% | 0.6% | 14.3% | 14.5% | 9.4% | -3.1% | 12.1% |
| ROA | 12.6% | 12.6% | 5.4% | 4.4% | -3.9% | 0.2% | 3.2% | 3.2% | 2.1% | -0.9% | 4.4% |
| ROIC | 675.0% | 675.0% | 118.4% | 53.6% | -127.4% | — | 65.7% | 16.8% | 11.0% | -8.4% | 34.9% |
| ROCE | 40.6% | 40.6% | 8.6% | 7.1% | -4.7% | 1.1% | 4.2% | 4.4% | 3.4% | -2.2% | 7.2% |
HCI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
HCI Group, Inc. carries a Debt/EBITDA ratio of 0.2x, which is very conservative (96% below the sector average of 4.3x). The company holds a net cash position — cash of $1.2B exceeds total debt of $68M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of 47.9x signals virtually no risk of debt distress — earnings comfortably cover interest obligations.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.06 | 0.06 | 0.40 | 0.50 | 0.83 | 0.15 | 0.92 | 0.94 | 1.38 | 1.23 | 0.57 |
| Debt / EBITDA | 0.15 | 0.15 | 1.05 | 1.67 | — | 3.74 | 4.03 | 3.86 | 6.60 | — | 2.66 |
| Net Debt / Equity | — | -1.02 | -0.74 | -0.77 | -0.09 | -1.37 | -1.23 | -0.30 | 0.06 | -0.09 | -0.58 |
| Net Debt / EBITDA | -2.59 | -2.59 | -1.95 | -2.60 | — | -33.74 | -5.41 | -1.23 | 0.28 | — | -2.71 |
| Debt / FCF | — | -2.57 | -1.06 | -1.46 | — | -6.08 | -3.49 | -1.08 | 0.41 | -1.34 | -1.63 |
| Interest Coverage | 47.89 | 47.89 | 13.99 | 11.58 | -7.95 | 2.78 | 4.19 | 3.80 | 2.49 | 0.07 | 5.23 |
Net cash position: cash ($1.2B) exceeds total debt ($68M)
HCI Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.24x means HCI Group, Inc. can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has declined from 2.90x to 1.24x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.24 | 1.24 | — | 2.90 | 54.45 | — | — | — | 45366.93 | 0.98 | 136.14 |
| Quick Ratio | 1.24 | 1.24 | — | 7.35 | 74.37 | — | — | — | 72269.86 | 11.35 | 252.85 |
| Cash Ratio | 0.94 | 0.94 | — | 2.60 | 26.65 | — | — | — | 34904.29 | 6.14 | 151.73 |
| Asset Turnover | — | 0.36 | 0.34 | 0.30 | 0.27 | 0.34 | 0.29 | 0.30 | 0.28 | 0.29 | 0.39 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
HCI Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
HCI Group, Inc. returns 1.0% to shareholders annually — split between a 0.9% dividend yield and 0.1% buyback yield. The payout ratio of 6.5% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 15.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.9% | 0.8% | 1.1% | 1.4% | 4.4% | 2.0% | 2.5% | 2.8% | 2.8% | 5.4% | 2.9% |
| Payout Ratio | 6.5% | 6.5% | 15.1% | 17.4% | — | 757.8% | 46.0% | 49.0% | 63.9% | — | 42.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 15.2% | 13.0% | 7.6% | 8.7% | — | 0.3% | 6.7% | 7.3% | 4.4% | — | 7.4% |
| FCF Yield | 20.9% | 18.0% | 22.2% | 23.2% | — | 13.0% | 14.0% | 10.9% | 6.5% | 5.3% | 20.3% |
| Buyback Yield | 0.1% | 0.1% | 0.1% | 0.1% | 25.3% | 0.2% | 1.3% | 4.3% | 5.3% | 17.9% | 4.8% |
| Total Shareholder Yield | 1.0% | 0.8% | 1.2% | 1.5% | 29.7% | 2.1% | 3.8% | 7.1% | 8.1% | 23.4% | 7.7% |
| Shares Outstanding | — | $13M | $13M | $11M | $9M | $9M | $10M | $10M | $8M | $9M | $11M |
Peer Comparison
Compare HCI with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 HCIYou | $2B | 6.6 | 2.2 | 4.8 | 73.2% | 47.7% | 37.8% | 675.0% | 0.2 |
 UPC | $2M | -0.0 | — | — | 35.3% | -16.3% | -7.2% | -7.8% | — |
 HRTG | $706M | 3.7 | 0.9 | 4.1 | 63.0% | 30.6% | 49.1% | 1539.6% | 0.4 |
 FG | $4B | 14.6 | 4.5 | 0.8 | 30.8% | 5.6% | 5.9% | 5.0% | 2.3 |
 KINS | $235M | 5.6 | 4.2 | 3.2 | 57.7% | 25.6% | 43.0% | 46.6% | 0.1 |
 PLMR | $3B | 15.6 | 10.9 | 7.4 | 73.9% | 28.9% | 23.6% | 25.5% | 0.0 |
 NODK | $326M | -31.8 | — | 182.4 | 29.6% | -4.3% | -4.3% | -4.8% | — |
 ACGL | $32B | 7.8 | 6.6 | 5.3 | 37.2% | 25.0% | 19.5% | 15.4% | 0.5 |
 RNR | $13B | 5.3 | 3.4 | 3.5 | 40.7% | 31.5% | 14.6% | 16.0% | 0.6 |
 VERX | $2B | 278.0 | 20.7 | 26.0 | 60.7% | -1.0% | 3.3% | -2.2% | 4.0 |
 IIIV | $438M | 35.4 | 11.9 | 116.7 | 55.7% | 1.9% | 3.5% | 0.6% | 0.2 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 19 years · Updated daily
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HCI — Frequently Asked Questions
Quick answers to the most common questions about buying HCI stock.
What is HCI Group, Inc.'s P/E ratio?
HCI Group, Inc.'s current P/E ratio is 6.6x. The historical average is 10.1x. This places it at the 27th percentile of its historical range.
What is HCI Group, Inc.'s EV/EBITDA?
HCI Group, Inc.'s current EV/EBITDA is 2.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 5.4x.
What is HCI Group, Inc.'s ROE?
HCI Group, Inc.'s return on equity (ROE) is 37.8%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 19.7%.
Is HCI stock overvalued?
Based on historical data, HCI Group, Inc. is trading at a P/E of 6.6x. This is at the 27th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is HCI Group, Inc.'s dividend yield?
HCI Group, Inc.'s current dividend yield is 0.92% with a payout ratio of 6.5%.
What are HCI Group, Inc.'s profit margins?
HCI Group, Inc. has 73.2% gross margin and 47.7% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does HCI Group, Inc. have?
HCI Group, Inc.'s Debt/EBITDA ratio is 0.2x, indicating low leverage. A ratio below 2x is generally considered financially healthy.